Forty-five minutes, no charge, with Naomi rather than an intake coordinator. You will leave knowing which chapter fits your situation, roughly what it costs, and whether you should be filing at all.
By video, by phone, or in the Beverly Hills office. Evenings and weekends are available and are often easier for people who are still working.
What to bring
None of this is required for a first call. It just makes the call more useful.
- Your last six months of pay stubs, or profit and loss figures if you are self-employed
- A rough list of who you owe and roughly how much
- Your most recent mortgage and car loan statements
- Anything you have been served with: a summons, a garnishment order, a notice of sale
- Last two years of tax returns if you have them handy
If there is a deadline, lead with it
A sale date, a garnishment that starts next Friday, a court date on a collection suit. Say it when you call and the conversation gets scheduled differently.
What happens on the call
- We run the means test math while you are on the line, so you know that day whether Chapter 7 is available.
- We work out your equity position, which is what decides whether anything is actually at risk.
- We tell you which chapter fits, and sometimes that neither does.
- You get a number. Flat fee, quoted on the call.
“About one in seven people who consult with us should not file. We tell them, and it takes ten minutes, and it costs them nothing. That is not generosity, it is the only version of this job that works long term.”
Naomi Reyes-AshfordCall (310) 555-0184
Someone answers during business hours and calls back the same day outside them. If you would rather write first, the contact page has a form.